UOBM YOLO Card Terms and Conditions

Effective 18 August 2016

General

These terms and conditions (“Terms and Conditions”) shall apply to United Overseas Bank (Malaysia)
Bhd’s (271809-K) (“UOBM”) UOBM YOLO Card issued by UOBM to the Cardmember and are to be read
together with the UOBM VISA/MASTERCARD Cardmember Agreement (“Cardmember Agreement”)
[Note: For the avoidance of doubt, "Cardmember" shall mean both the principal and supplementary
cardmembers.]

Unless defined differently in these Terms and Conditions, words and expressions used in these Terms
and Conditions will have the same meaning as in the Cardmember Agreement.

UOBM reserves the right at its sole and absolute discretion at any time to decide on all matters pertaining
to the award or use of any or all of the benefits and privileges stated below and UOBM’s decision shall be
final and binding on the Cardmembers. The benefits and privileges described below may be amended,
supplemented or revoked by UOBM at any time at UOBM’s sole and absolute discretion.

UOBM YOLO Card Cash Rebate Programme (“Programme”)

1. UOBM YOLO Card comes with the features below:

a) 6% Cash Back on Online Spending on all days (“Online Spend”); and
b) 3% Cash Back on Dining Spend on all days (“Dining Spend”).

2. The Online Spend shall include all online transactions with UOBM YOLO Card (“Card”) including
online mobile bill payment to all major mobile service providers (Maxis, Digi, Celcom and U Mobile)
with the Card.

3. The Dining Spend shall include all transactions made using the Card at participating dining merchants
under the following Merchant Category Codes (“MCC”):

Spend Merchant Category Code Description

Category (MCC)
5811 Caterers
5812 Eating Places & Restaurants
Dining
5813 Drinking Places – Bars / Taverns/ Lounges / Discos
5814 Fast Food Restaurants

The MCC and the transactions classified under it are assigned by Visa. If a Card transaction is not
classified under any of the MCC, such transaction will not be eligible for the Cash Back.

4. Subject to Clause 12, Cash Back will be awarded for Online Spend and Dining Spend for each
calendar month subject to a minimum Qualifying Spend of RM500 charged to the Card based on
transaction date and captured by UOBM’s system for that respective calendar month.

5. Subject to Clause 11, the minimum Qualifying Spend is inclusive of the collective spend of both
principal and supplementary Cardmember charged to the Card based on transaction date and
captured by UOBM’s system for the respective calendar month. For the avoidance of doubt, only the
Principal Cardmember is entitled to the Cash Back.
6. The total Cash Back awarded for both Online Spend & Dining Spend category for both principal and
supplementary Card combined is capped based on the following Qualifying Spend in each calendar
month:

Qualifying Spend in a calendar month Maximum Cash Back to be awarded per

calendar month
RM500.00 – RM799.99 RM20.00
RM800.00 & above RM50.00

For newly approved Card, the Qualifying Spend requirement must be fulfilled within the first calendar
month. In the event that the qualifying period is less than one month, the Qualifying Spend
requirement still applies.

7. For the avoidance of doubt, the Cash Back amount will be rounded to the nearest cent.

8. The determination of monthly Cash Back earned and/or to be credited is at UOBM’s discretion and
shall be reviewed from time to time. UOBM may amend and/or vary the required minimum Qualifying
Spend at UOBM’s sole discretion.

9. The monthly Cash Back earned in a calendar month will be credited to the Cardmember’s Card
account by the last day of the following month.

10. Any accumulated Cash Back including Cash Back pending credit into the Cardmember’s Card
account shall immediately cease to be valid upon the occurrence of any one of the following:
a) Any cancellation of the Card;
b) Any conversion of the Card to any other UOBM Credit Cards;
c) The Card Account becomes delinquent, terminated or suspended for whatever reason;
d) The Cardmember breaches any of these Terms and Conditions or the terms and conditions in the
Cardmember Agreement;
e) The Cardmember dies or commits an act of bankcruptcy or allows a judgment to remain against
him / her for more than twenty one (21) days;
f) The financial position of the Cardmember is or has become unsound and UOBM is of the view
that the Cardmember’s ability to fulfill these Terms and Conditions or the terms and conditions in
the Cardmembers Agreement is or has become impaired; or
g) The Card is terminated by UOBM for whatever reason.

Exclusions

11. The following transactions shall not be treated as Qualifying Spend:

a) Balance Transfer;
b) Cash Advance;
c) Flexi-Credit Plans;
d) Easi Payment Plan purchases;
e) 0% Interest-Free Installment Payment Plans;
f) Refunded, disputed, unauthorized or fraudulent retail transactions;
g) Top-up transactions;
h) Payment of annual card membership fees, interest payments, late payment fees, charges for
cash withdrawals, goods and services tax and any other form of service / miscellaneous fees
using the Card; and
i) Such other transactions as UOBM may determine from time to time.
12. The Cash Back under this Programme shall not be awarded for the following transactions:
a) Insurance;
b) Balance Transfer;
c) Cash Advance;
d) Flexi-Credit Plans;
e) Easi Payment Plan purchases;
f) Recurring payments, auto-debit transactions and standing instructions;
g) 0% Interest-Free Installment Payment Plans;
h) Refunded, disputed, unauthorized or fraudulent retail transactions;
i) Top-up transactions;
j) Government transactions:
i. Alimony and child support;
ii. Fines by Court, government, state authorities or local authorities;
iii. Bail or bond payments;
iv. Payment of taxes to government; and
v. Payment to any government departments.
k) Alimony and child support;
l) Utilities bills;
m) Charity bodies;
n) Bill Payments (subject to Clause 2);
o) Petrol transactions;
p) Cash and cash-based transactions;
q) Telecommunications (subject to Clause 2);
r) Payment of annual card membership fees, interest payments, late payment fees, charges for
cash withdrawals, goods and services tax and any other form of service/miscellaneous fees using
the Card; and
s) Such other transactions as UOBM may determine from time to time.

13. UOBM reserves the right at its absolute discretion to cancel, terminate or suspend this Programme in
whole or in part, at any time with prior notice. For the avoidance of doubt, cancellation, termination or
suspension by UOBM of this Programme shall not entitle the Cardmember to any claim or
compensation against UOBM for any and all losses or damages suffered or incurred by the
Cardmember whether as a direct or indirect result of such cancellation, termination or suspension.

14. Without prejudice to the generality of the foregoing, in the event that the Cash Back under this
Programme is awarded to and received by person(s) who has committed or is suspected of
committing any fraudulent or wrongful acts in relation to the use of the Card and/or any transaction
using the Card, UOBM reserves the right to disqualify such person(s) from earning or using the Cash
Back.

UOBM SMART$ Rebate Programme

15. The Cardmembers are entitled to earn SMART$ on purchases made with the Card at any SMART$
merchant outlets via UOBM terminals at the rate determined between UOBM and the SMART$
merchant. The Cardmembers’ eligibility to participate in the UOBM SMART$ Rebate Programme is
subject to and shall be in accordance with the SMART$ Rebate Programme Terms and Conditions.
For the avoidance of doubt, all references to the value of any given transaction with the Card shall be
deemed to be a reference to the final amount charged to the Card taking into account the redemption
of SMART$ (if any) under the UOBM SMART$ Rebate Programme.

General Terms and Conditions

16. UOBM shall not be responsible nor shall accept any liabilities of any nature and however arising or
suffered by the Cardmembers resulting directly or indirectly by the Cardmembers’ participation in this
Programme.

17. If there is any inconsistency between these Terms and Conditions and the Cardmember Agreement,
these Terms and Conditions will prevail for all matters in connection with this Programme.

18. UOBM's decisions on all matters relating to this Programme, including the determination of Cash
Back and categories for Cash Back shall be final, conclusive and binding upon all Cardmembers. No
appeals and/or correspondence from any Cardmember or any third party will be entertained.

19. UOBM shall not be responsible for any failure or delay in transmission of sales transactions by
merchant establishments, postal or telecommunication authorities or any party which may result in
the Cardmembers failing to be entitled to the Cash Back.

20. UOBM reserves the right to add, delete, suspend and/or vary these Terms and Conditions, from time
to time, wholly or in part, at its absolute discretion, by providing twenty one (21) days’ prior notice to
the Cardmembers via posting on UOBM’s website, displaying a notice at any of UOBM’s branches, a
statement insert in the Statement of Account or any other manner as determined by UOBM from time
to time.

21. These Terms and Conditions shall be governed by and construed in accordance with the laws of
Malaysia and the Cardmembers agree to submit to the non-exclusive jurisdiction of the courts of
Malaysia.